Pet Health Insurance
Pet owners are spending more on health care for their furry friends than ever before. It is
estimated that Americans will spend $12.2 billion on veterinary care this year. There have been
major advancements in the sophistication and cost of veterinary medical and surgical services.
Procedures once reserved for humans, such as ultrasound, chemotherapy and blood
transfusions, have become increasingly available in the care of pets. Along with these
advancements have come specialists, including veterinary neurologists, cardiologists, surgeons,
ophthalmologists, dermatologists and dentists.
As a result, vet bills of $1000 or more are becoming commonplace. I suggest that all pet owners
assess their financial situation, and consider the ability to meet unexpected expenses that may be
incurred for veterinary care. For many people pet health insurance is becoming an increasingly
The good thing about pet health insurance is that it can prevent owners from being faced with
having to euthanize their animal because they don’t have the money to treat it. Insured pets
receive more care since the insurance is paying the majority of the cost. Pet owners respond to
symptoms much faster when the pet is insured, providing the veterinarian with a better
opportunity to diagnose and treat an illness earlier.
Unlike human insurance, pet insurance is primarily a reimbursement type insurance policy. Pet
owners are expected to pay their bills at the time of service, in accordance with the clinic’s usual
billing practices. The client files a claim with the insurance company which then reimburses the
policyholder according to the terms of the policy.
It is best to start pet health insurance while your pet is young and healthy and there are no pre-
existing conditions. You can get more information and compare pet insurance companies at www.
Many people feel that pets are like their children. They are an important member of the family, and
owners want the best treatment possible when the need arises. Pet health insurance provides the
financial help needed to afford excellent medical and surgical care.